Debt Learning Centre

9 Simple & Easy Money Saving Tips Car Owners Need to Know

I am a big car and motorcycle enthusiast, I always will be. Everybody has a blood type and mine is 94 octane. I’ve been asked many times over the years about my opinion on certain cars, and been called upon as an expert to help many friends evaluate a used vehicle.

The 7 Questions You Need to Ask a Debt Settlement Company Before You Sign Up

Having settlements negotiated on your credit card debts requires know-how, patience, persistence and requires a lot of time. Using a good debt settlement company is a great idea if you want it done right.

How to Settle Debt for Half of What You Owe, and Do it in 30 Days

Simple Tips For Great Credit

Understanding how your credit score works and what causes it to go up or down can be very confusing for those that do not understand credit. Let us share some simple secrets we have learned over the years on managing your credit score.

Debt Is Dumb – The Critical Errors People Often Make and How to Avoid Them

Society in general has been brainwashed into believing that credit card and loan debt is a necessary evil and that it’s okay to have loads of debt. Well, I am here today to dispel the myths and tell you how dumb debt really is and why some people end up staying in debt for a lifetime.

How To Stop Collection Calls – Part 2, The Free Option

How to Stop Collection Calls

Harassing collection calls when you owe debt can be a nightmare. People tell us all the time how relentlessly the phone can ring when they owe money. There is a way to minimize this and actually stop it in some cases.

Debt Consolidation Loans, the Shocking Truth Exposed

The phrase that most people associate with getting out of debt is “debt consolidation”. This phase has been used over the years in different versions to mean many things to different people, but consolidating debt essentially means getting a new loan to pay out existing debts. This situation is ideal if you have great credit and can get an interest rate lower then what you are paying right now.

How Banks Can Take Your Money Without Asking – Learn How a Right of Offset Works

The collection of debt is a stressful event. Phone calls, nasty letters and constant threats of legal action are often enough to drive you crazy. Creditors have a trick up their sleeve that most people don’t know about, and when it happens it’s even more disastrous then an irritating bill collector phone call.

Legal Action – The Truth Exposed

People with debt are always concerned about answering a lawsuit, I should state first that: we are not lawyers and this article is not legal advice and should not be used as a substitute for the advice provided by a licensed expert. This article is for informational purposes only and based solely on our years of debt management experience.

DIY (Do-It-Yourself) Debt Settlement

Credit Card Offers – Using Promotional Offers to Pay Off Debt

Beware of the special and introductory offers at ridiculously low interest rates. It’s generally a bad idea to use credit cards to consolidate debt. I get bombarded with offers of anywhere from 0% – 4.99% credit cards all the time.

Debt Settlement Facts

Bill Collectors – The 6 Biggest Lies Exposed

Bill collectors are essentially sales people that are paid commission to convince you to pay a debt in full that you couldn’t afford to pay your creditors directly at one time. You have to be careful when addressing a bill collector, always keep in mind that their job is to scare you into paying your bill; as a result they will lead you to believe certain things that simply aren’t true.

Credit Counselling – What You Need To Know Before Signing Up

On the one hand, credit counselling can be a good way to resolve debt while avoiding bankruptcy. On the other hand, it can be like an onion; once you peel back the layers, you may cry after you see what you are getting into.

Filing Bankruptcy in Canada and What You Need to Know

Bankruptcy can sometimes be your best way out of an overwhelming debt situation but you should consider how the law forces a Trustee in Bankruptcy to operate in Canada before handing over all your assets and debts to the Trustee. Bankruptcy is not an easy or quick fix; it is a serious decision with significant consequences.

We were sceptical at first, but Total Debt Freedom soon delivered as promised. Four out of five debts are now gone and we feel like we have been making real progress to our debt freedom date and given some real solid advice.

Al & JulieLondon, ON

After being absent for years, a smile has finally returned to our faces. Thank-you, you are so wonderful. We are so pleased that we are debt free and can resume our life again.

Jennifer & SeanOttawa, ON

Thanks for your hard work, it only took me 4 weeks to be debt free and the results were incredible. The creditors stopped calling almost immediately and I saved over $54,000. I sleep much better at night now.

DougToronto, On

It feels great knowing that I can finally go to the mailbox and actually enjoy picking up the mail not having to worry about threatening letters. I can even start answering my phone again knowing it won’t be someone on the other end asking me for money. I will always recommend TDF to anyone who is going through financial struggles.

Total Debt Freedom was founded in 2004 and is fully licensed and bonded. We are a next-generation debt relief company, with the goal of being recognized in Canada as a top provider of consumer credit card debt relief.

Individual results will vary. Total Debt Freedom Inc. does not assume or pay any debt, nor does it provide legal advice or offer credit repair. If you need legal advice, you must consult with a licensed attorney. Individual results are highly dependant on successful completion of program and your ability to save funds. Settlement estimates of 40 - 60% are examples of past performance and are not intended to be a guarantee of future settlement results. Results will vary based on individual circumstances. Please read and understand all contract terms prior to enrolment.